46724 Spinnaker Ln, Elmo, MT 59915 Property Records

Lake County property record for 46724 Spinnaker Ln, Elmo, MT 59915

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,144 sqft · built 1994
Lot Size	0.367 acres (15,987 sqft)
Owner	Individual Name on File
Last Sale	$295,792 (Jan 2021)
Tax Bill	$3,040 (2026)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R1524000`

Property Details

APN / Parcel Number

Primary APN	`R1524000`
Alternative APNs	`15-3467-19-2-15-02-0000` `0000031621`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Mobile Home
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	15,987 sqft (0.367 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	72 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0000031621
Street Address	46724 SPINNAKER LN
City	ELMO
State	MT
Zip	59915
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	NORTH BIG ARM BAY SUBD, S19, T24 N, R21 W, LOT 21, ACRES 0.367, 1/25 INT COMMON AREA LOTS 1,16,26,27,28
Legal Range	21W
Legal Township	24N
Legal Section	19
Legal Subdivision	NORTH BIG ARM BAY SUBD
Legal Lot Number	1,16,21
Jurisdiction	LAKE MT
Township / Civil Division	FLATHEAD RESERVATION
Census Block Group	2
Census Block	2049
Census Tract	940306

Owner

46724 Spinnaker Ln, a mobile home, is owned by an individual who bought it in January 2021.

Source: Lake County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 22, LOLO, MT 59847-0022
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on File
Deed Sale	Jan 4, 2021 · Amount on File
Deed Document Number	2021584349
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MT
Recording Date	Jan 4, 2021
Property Address	46724 SPINNAKER LN, ELMO, MT 59915
Document Number	584349
Instrument Date	Jan 4, 2021
Instrument	584349
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46724 SPINNAKER LN, ELMO, MT 59915

Mortgage

Document Number	584350
Date	Jan 4, 2021
Instrument	584350

Lender

Name	TRAILWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 46724 Spinnaker Ln was $3,040, up 83.4% from the year before.

Source: Lake County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Lake County
Elementary School District	Polson Elementary School District (PK - 08)
Secondary School District	Polson High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,040.00 (+83.35%)	$371,489 (-)
2025	$1,658.00	$371,489	$371,489 Land $248,719 Building $122,770
2023	$1,913.00	$250,647	$250,647 Land $136,897 Building $113,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46724 Spinnaker Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 46724 Spinnaker Ln is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 72% of Montana
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELMO WATER SYSTEM tribal government · serves 220 people · EPA ID 083090024
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Western Montana CommunityTel Fixed Wireless · Fiber in parts of the area	25 / 10
CenturyLink DSL	10 / 1